Chabrowski v. Gulf Harbour Investments Corporation

District Court, D. Arizona·Decided March 20, 2023·No. 2:22-cv-00673·Unknown

Opinion

WO

Derek Chabrowski, No. CV-22-00673-PHX-JJT

Plaintiff, ORDER

v.

Gulf Harbour Investments Corporation,

Defendant. At issue is Defendant Gulf Harbour Investments Corporation’s Motion to Dismiss (Doc. 10, “MTD”), to which pro se Plaintiff Derek Chabrowski filed a Response in opposition (Doc. 18, “Resp.”) and Defendant filed a Reply in support (Doc. 19). Also at issue are Plaintiff’s Motion for Leave to File Amended Complaint (Doc. 13) and Motion for Remand (Doc. 15), to which Defendant filed Responses in opposition (Docs. 16 and 17) and Plaintiff filed Replies in support (Docs. 22 and 23). The Court finds these matters appropriate for disposition without oral argument. See LRCiv 7.2(f). For the reasons set forth below, the Court denies Plaintiff’s Motion for Remand, grants Defendant’s Motion to Dismiss, and denies Plaintiff’s Motion for Leave to File Amended Complaint. In June 2006, Plaintiff entered into an agreement with E*Trade Bank to obtain a $100,000 line of credit, which was secured by a Deed of Trust recorded against real property located at 43021 North 43rd Drive in Phoenix, to which Plaintiff and his wife hold title (“the Property”). (Compl. ¶¶ 5, 8, 15; Docs. 10-2 and 10-3.)1 Plaintiff and his wife were listed as Trustors on the Deed of Trust and E*Trade was listed as Beneficiary/Lender and Trustee. Among other provisions, the Deed of Trust provided that in the event of a default—such as Plaintiff’s failure to “meet the repayment terms of the Credit Agreement”—then E*Trade had the right to exercise certain remedies, including: Foreclosure. With respect to all or any part of the Real Property, the Trustee shall have the right to foreclose by notice and sale, and Lender shall have the right to foreclose by judicial foreclosure, in either case in accordance with and to the full extent provided by applicable law. (Doc. 10-3 at 6.) By a recorded Assignment of Deed of Trust, E*Trade thereafter transferred to Defendant “all beneficial interest under that certain Deed of Trust.” (Doc. 10-4.) By a recorded Notice of Substitution of Trustee, Defendant appointed an attorney, Christina Harper (“Ms. Harper”), as Trustee. (Doc. 10-5.) Plaintiff also has referenced a separate promissory note and senior deed of trust recorded against the Property in April 2006, and a prior notice of sale recorded on the same. (Compl. ¶¶ 13–18.) In September 2017, Plaintiff and his wife filed a pro se lawsuit to challenge this prior trustee sale and obtained a preliminary injunction enjoining the sale. After the case was removed to this Court, District Judge Lanza granted a Motion to Dismiss filed by defendants and dismissed Plaintiff’s suit. Chabrowski v. Bank of New York Melon Trust Co. NA, No. CV-17-03867-PHX-DWL, 2019 WL 132350 (D. Ariz. Jan. 8, 2019).2 1 The Court considers the exhibits to Defendant’s Motion to Dismiss to the extent discussed herein because the Complaint describes the contents of certain of these documents or the documents are integral to the Complaint, see Orellana v. Mayorkas, 6 F.4th 1034, 1042-43 (9th Cir. 2021), or because the documents include “matters of public record” that are the proper subjects of judicial notice under Federal Rule of Evidence 201(b). See Lee v. City of Los Angeles, 250 F.3d 668, 690 (9th Cir. 2001).

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